信合保险在信用社小额信贷及农村金融中的作用

中国实施农村信用社发放农户小额信用贷款已经有5年。在实施的过程中，同以往其他贷款一样，出现了呆帐、坏帐、道德风险和产业风险测算不准、信用调查不实和评级不准等问题，不仅造成了信用社的贷款风险过大,而且也使农户贷款愈加困难。及时对农户小额信用贷款中存在的这些问题进行理论和实践上的创新性研究是十分必要的。研究的对象主要是信合保险这种新的金融实体，通过开展信合保险，不仅可以有效降低农村信用社的贷款风险，在一定程度上解决农户贷款难的问题，而且对改善农户生活水平也能起到一定的作用。开展信合保险也能健全农村的信贷保险机制，改善农村金融环境，推动农村经济的进一步发展。

The Function of Insurance of Credit Unions on Farmers'''' small Scale Credit and Countryside Finance

Our country has actualize the Farmers' small scale credit for 5 years, there were some problems which has happened in other loan, such as bad debt, moral hazard, industry risk, sterilitas credit investigation and credit grade, which increase the risk of credit unions' loan, and make it more difficult of loan for farmers. It's necessary to research the problem of farmers' small scale credit on theoretical and practical innovatively in time. In this article, we have a study on the new financial entitative, it can not only reduce the risk of loan effectively, but also solve the problem of the difficult on loan for farmer and ameliorate the life of farmers to a certain extent. It can improve the rural financial entertainment and impulse the development of rural economics by the sane country credit insurance mechanism.